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What is a loss sustained?

Loss Sustained. A loss sustained policy requires that the crime happen and be discovered during the policy period in order to be covered. If the loss happened before the policy period began, it may be covered IF the organization had crime insurance in place continuously and without lapse since that time.

Which commercial crime form would provide coverage for a loss that did not necessarily happen during the policy but was revealed during the policy?

A discovery coverage policy will provide insurance for losses that are discovered during the policy period. It doesnt matter when the crime actually occurred, only when it was discovered. Loss sustained coverage will only cover the losses that have both occurred and were discovered while the policy was active.

What does commercial crime insurance cover?

Commercial crime insurance provides protection from financial losses related to business-related crime, including theft by employees, forgery, robbery, and electronic crime.

What is ISO crime?

The Insurance Services Office (ISO) Commercial Crime Coverage Form has seven basic insuring agreements. You can choose any one or more of them. Employee Theft covers loss or damage to money, securities, and other property that one or more of your employees causes.

Which of the following is not covered by commercial crime insurance?

Indirect financial losses, such as business interruption, loss of income, or legal expenses, are not covered under commercial crime insurance. For protection against indirect financial losses, you should get business interruption coverage.

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